Durham Greener Homes Loan Program
Run by Regional Municipality of Durham · Also called Durham Greener Homes
The Durham Greener Homes Loan Program offers homeowners low-interest loans of up to $125,000 for heat pumps, insulation, air sealing and more in Durham Region, Ontario. You need an energy assessment before any work starts.
Loans up to
$125,000
Verified
You apply on durhamgreenerhomes.ca
At a glance
| Maximum amount | $125,000 CAD (2026)Loans up to $125,000 at 2% fixed over 15 years |
|---|---|
| Funding type | Loan |
| Status | Open |
| Who can apply | Homeowners |
| Energy assessment required | Yes, before you start |
| Income-tested | No |
| Deadline | No end date published |
| Where | Durham Region, Ontario |
| Level | Municipal |
| Run by | Regional Municipality of Durham |
| Official page | durhamgreenerhomes.ca |
| Last verified | |
| Verified by | Rebate Researcher, RebateHub |
| Confidence | HighEvery figure matches the official program pages. |
Durham Greener Homes Loan Program. RebateHub.ca, https://rebatehub.ca/rebates/on-durham-greener-homes-loan#key-facts. Last verified October 12, 2026. Official source: https://durhamgreenerhomes.ca/
What you can get
| Upgrade | What you get | Up to |
|---|---|---|
| Low-interest retrofit loan (local improvement charge)Up to $125,000 at 2%15-year fixed term, repaid on your property tax bill. An initial disbursement of up to 50% of eligible funds is available. | Up to $125,000 at 2% | $125,000 |
| Whitby deep-retrofit incentiveAdditional $5,000Whitby residents only. Details are available through a Greener Homes Coach. | Additional $5,000 | $5,000 |
| Coaching, Weather-ready Home Assessment, vHEATFreeDurham residents only. | Free | Varies |
How it works
Durham Greener Homes is Durham Region's home retrofit hub. In May 2026 the Region launched a low-interest local improvement charge loan of up to $125,000 at 2%, repaid on the property tax bill over a fixed 15-year term. The loan stays with the property if you sell. At least 80% of the loan must go to energy-efficiency work such as insulation, windows and doors, air sealing, heat pumps, electric or heat pump water heaters, solar panels and batteries; up to 20% can go to other eligible items such as flood protection, electrical upgrades, EV chargers and EnerGuide evaluation costs. Properties in the City of Pickering are not eligible for the loan yet.
The program also offers free one-on-one Greener Homes Coaching, a free Weather-ready Home Assessment covering heat, cold, flooding and wind, and an online virtual energy assessment tool (vHEAT). Coaches can tell you about extra local incentives, such as an additional $5,000 for deeper retrofits in Whitby.
Who qualifies
- Residential property in Durham Region. Properties in Pickering are not currently eligible for the loan.
- Only work approved after you enrol counts; appliances, cosmetic work, routine maintenance and completed upgrades are not financed.
- Pre-retrofit EnerGuide evaluation (dated April 28, 2022 or later) and a post-retrofit evaluation are required.
- You must agree to take part in case studies and share at least 24 months of energy and utility data before and after the retrofit.
How to apply
Step 1: Book a free consultation with a Durham Greener Homes Coach and complete the Eligibility Verification Form.
Step 2: Once approved, get a pre-retrofit EnerGuide evaluation and upload it with contractor quotes and the funding request.
Step 3: Sign the Property Owner Agreement and request up to 50% of the eligible funds.
Step 4: Complete the work, get a post-retrofit EnerGuide evaluation and submit the Project Completion Report to receive the rest.
Step 5: Repay through your property taxes, or pay off the balance at any time.
Get quotes from Ontario installers
Free, no obligation. We pass your request to up to 3 independent installers who serve your area and, where a program requires it, are registered with it.
- 1. Your project
- 2. Your contact details
- Installers checked against your program’s contractor list, where it has one
- Installers pay us, never you
- Sent to up to 3 installers who serve your area. We don't sell or rent lists.
Book an energy assessment
Many rebates need an EnerGuide assessment before any work starts. We'll pass your request to up to 2 energy advisors who serve your area. Free to ask, no obligation; the advisor quotes their fee, and some programs rebate part of it.
- 1. Your project
- 2. Your contact details
- Book it before you sign any contract. Work done before the assessment can disqualify you.
- Energy advisors pay us, never you
- Sent to up to 2 installers who serve your area. We don't sell or rent lists.
Stacks with Durham Greener Homes
The program says these can be combined with it for the same home. Check each one’s rules for the same upgrade before you count on both.
- Last verified October 12, 2026OpenProvincialOntario
Home Renovation Savings Program
Ontario's main home-retrofit rebate program. You can claim single upgrades such as a heat pump, attic insulation, solar with a battery, a smart thermostat or ENERGY STAR appliances without an energy assessment, or do an assessment and two or more upgrades for envelope rebates.
$12,000
max rebate
Rebate
Also worth checking
- Last verified October 12, 2026OpenFederalCanada-wide
Canada Greener Homes Affordability Program
Federally funded, no-cost home energy upgrades for low- and median-income homeowners and tenants. You apply through your province's or utility's partner program, not through Ottawa.
Free
Free upgrade - Last verified October 12, 2026OpenFederalCanada-wide
CMHC Eco Plus
A 25% refund of your CMHC mortgage insurance premium when you buy a newly built, energy-efficient home with a CMHC-insured mortgage.
Varies
Rebate - Last verified October 12, 2026OpenProvincialOntario
Energy Affordability Program
Income-qualified Ontario electricity customers can get free energy upgrades. These range from free saving kits to a full home visit that can include new appliances, insulation, draft-proofing and, for electric or oil-heated homes, a cold-climate heat pump.
Free
Free upgrade - Last verified October 17, 2026OpenUtilityKitchener
Kitchener Utilities Natural Gas Rebates
Kitchener Utilities, the City of Kitchener's own gas utility, gives its residential customers a $75 bill credit for a smart thermostat and a $500 bill credit for upgrading to a condensing gas water heater.
$575
max rebate
Rebate
Sources
Other sources we checked